Women with PCOS or similar are highly unlikely to exceed the testosterone limits that some sporting bodies implement as proxy for detecting male advantage, and indeed are explicitly exempted in such policies and have never been barred under any DSD regulation.
The true edge cases aren't athletes like Semenya and Banda, but the very rare individuals with complete androgen insensitivity syndrome (CAIS), who don't respond to testosterone at any point in their development. Most sporting bodies carve out an exemption to exclusion for them.